Call reports 2003
CHURCH POINT BANK AND TRUST COMPANY — 2003
What CHURCH POINT BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 40,689,000 | 39,936,000 | 39,667,000 | 38,997,000 |
| Total loans | 14,896,000 | 14,325,000 | 13,850,000 | 14,228,000 |
| Allowance for loan losses | 514,000 | 510,000 | 517,000 | 426,000 |
| Securities available for sale | 19,561,000 | 19,376,000 | 19,655,000 | 20,489,000 |
| Securities held to maturity | 479,000 | 473,000 | 465,000 | 335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,251,000 | 34,595,000 | 34,513,000 | 34,032,000 |
| Interest-bearing deposits | 27,873,000 | 27,430,000 | 27,248,000 | 26,450,000 |
| Noninterest-bearing deposits | 7,378,000 | 7,165,000 | 7,265,000 | 7,581,000 |
| Equity capital | 5,052,000 | 5,033,000 | 4,939,000 | 4,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 975,000 | 1,389,000 | 1,794,000 |
| Interest expense | 132,000 | 241,000 | 333,000 | 413,000 |
| Net interest income | 376,000 | 734,000 | 1,056,000 | 1,381,000 |
| Noninterest income | 62,000 | 119,000 | 181,000 | 226,000 |
| Noninterest expense | 347,000 | 663,000 | 990,000 | 1,434,000 |
| Provision for loan losses | 0 | 0 | 0 | -107,000 |
| Pretax income | 247,000 | 346,000 | 452,000 | 508,000 |
| Income tax | 80,000 | 112,000 | 145,000 | 161,000 |
| Net income | 167,000 | 234,000 | 307,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,872,000 | 4,909,000 | 4,982,000 | 4,844,000 |
| Total capital | 5,097,000 | 5,125,000 | 5,190,000 | 5,057,000 |
| Risk-weighted assets | 17,740,000 | 16,950,000 | 16,333,000 | 16,828,000 |
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